Debt payoff calculators
Getting out of debt is mostly about the plan. These calculators turn your balances, rates, and extra payments into concrete payoff timelines — so you can see the finish line.
Strategy beats willpower
Minimum payments are designed to keep you paying as long as possible — that's how lenders earn. The moment you add a plan on top of those minimums, everything changes: the same debts get paid off in a fraction of the time, and thousands of dollars in interest simply never happen.
But which plan? The two classic strategies are the snowball (pay the smallest balance first for quick psychological wins) and the avalanche (pay the highest rate first to minimize interest). Financially, the avalanche always wins on paper. In practice, the snowball often wins in real life, because a plan you stick to beats a plan you abandon.
Rather than taking anyone's word for it, run your actual numbers through the comparator. For most people the difference between the two strategies is smaller than they expect — which means you can confidently pick the one you'll actually follow.
These calculators provide estimates for planning purposes only and are not financial advice. If you're struggling with debt, consider speaking with a nonprofit credit counselor.